General 

This website (the “Site”) is owned and operated by [YOUR COMPANY NAME] d/b/a  “yourwebsite.com” (“COMPANY,” “we” or “us”). By using the Site, you agree to be  bound by these Terms of Service and to use the Site in accordance with these Terms  of Service, our Privacy Policy and any additional terms and conditions that may apply  to specific sections of the Site or to products and services available through the Site  or from COMPANY. Accessing the Site, in any manner, whether automated or  otherwise, constitutes use of the Site and your agreement to be bound by these  Terms of Service. 

We reserve the right to change these Terms of Service or to impose new conditions  on use of the Site, from time to time, in which case we will post the revised Terms of  Service on this website. By continuing to use the Site after we post any such  changes, you accept the Terms of Service, as modified. 

Our Limited License to You 

This Site and all the materials available on the Site are the property of us and/or our  affiliates or licensors, and are protected by copyright, trademark, and other  intellectual property laws. The Site is provided solely for your personal  noncommercial use. You may not use the Site or the materials available on the Site  in a manner that constitutes an infringement of our rights or that has not been  authorized by us. More specifically, unless explicitly authorized in these Terms of  Service or by the owner of the materials, you may not modify, copy, reproduce,  republish, upload, post, transmit, translate, sell, create derivative works, exploit, or  distribute in any manner or medium (including by email or other electronic means)  any material from the Site. You may, however, from time to time, download and/or  print one copy of individual pages of the Site for your personal, non-commercial use,  provided that you keep intact all copyright and other proprietary notices. 

Your License to Us 

By posting or submitting any material (including, without limitation, comments, blog  entries, Facebook postings, photos and videos) to us via the Site, internet groups,  social media venues, or to any of our staff via email, text or otherwise, you are  representing: (i) that you are the owner of the material, or are making your posting or  submission with the express consent of the owner of the material; and (ii) that you  are thirteen years of age or older. In addition, when you submit, email, text or deliver  or post any material, you are granting us, and anyone authorized by us, a royalty free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use,  copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or  publicly perform or display such material, in whole or in part, in any manner or  medium, now known or hereafter developed, for any purpose. The foregoing grant 

shall include the right to exploit any proprietary rights in such posting or submission,  including, but not limited to, rights under copyright, trademark, service mark or patent  laws under any relevant jurisdiction. Also, in connection with the exercise of such  rights, you grant us, and anyone authorized by us, the right to identify you as the  author of any of your postings or submissions by name, email address or screen  name, as we deem appropriate. 

You acknowledge and agree that any contributions originally created by you for us  shall be deemed a “work made for hire” when the work performed is within the scope  of the definition of a work made for hire in Section 101 of the United States Copyright  Law, as amended. As such, the copyrights in those works shall belong to COMPANY  from their creation. Thus, COMPANY shall be deemed the author and exclusive  owner thereof and shall have the right to exploit any or all of the results and proceeds  in any and all media, now known or hereafter devised, throughout the universe, in  perpetuity, in all languages, as COMPANY determines. In the event that any of the  results and proceeds of your submissions hereunder are not deemed a “work made  for hire” under Section 101 of the Copyright Act, as amended, you hereby, without  additional compensation, irrevocably assign, convey and transfer to COMPANY all  proprietary rights, including without limitation, all copyrights and trademarks  throughout the universe, in perpetuity in every medium, whether now known or  hereafter devised, to such material and any and all right, title and interest in and to all  such proprietary rights in every medium, whether now known or hereafter devised,  throughout the universe, in perpetuity. Any posted material which are reproductions  of prior works by you shall be co-owned by us. 

You acknowledge that COMPANY has the right but not the obligation to use and  display any postings or contributions of any kind and that COMPANY may elect to  cease the use and display of any such materials (or any portion thereof), at any time  for any reason whatsoever. 

Limitations on Linking and Framing. You may establish a hypertext link to the Site so  long as the link does not state or imply any sponsorship of your site by us or by the  Site. However, you may not, without our prior written permission, frame or inline link  any of the content of the Site, or incorporate into another website or other service any  of our material, content or intellectual property. 

Disclaimers 

Throughout the Site, we may provide links and pointers to Internet sites maintained  by third parties. Our linking to such third-party sites does not imply an endorsement  or sponsorship of such sites, or the information, products or services offered on or  through the sites. In addition, neither we nor affiliates operate or control in any  respect any information, products or services that third parties may provide on or  through the Site or on websites linked to by us on the Site. 

If applicable, any opinions, advice, statements, services, offers, or other information  or content expressed or made available by third parties, including information  providers, are those of the respective authors or distributors, and not COMPANY. 

Neither COMPANY nor any third-party provider of information guarantees the  accuracy, completeness, or usefulness of any content. Furthermore, COMPANY  neither endorses nor is responsible for the accuracy and reliability of any opinion,  advice, or statement made on any of the Sites by anyone other than an authorized  COMPANY representative while acting in his/her official capacity. 

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH  THE SITE AND BY COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED  “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR  IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO  APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,  INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF  MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT  WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE  UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED,  OR THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE  SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER  HARMFUL COMPONENTS. 

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE  USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS  SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS,  ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE. 

You agree at all times to defend, indemnify and hold harmless COMPANY its  affiliates, their successors, transferees, assignees and licensees and their respective  parent and subsidiary companies, agents, associates, officers, directors,  shareholders and employees of each from and against any and all claims, causes of  action, damages, liabilities, costs and expenses, including legal fees and expenses,  arising out of or related to your breach of any obligation, warranty, representation or  covenant set forth herein. 

Interactive Features 

This Site may include a variety of features, such as bulletin boards, web logs, chat  rooms, and email services, which allow feedback to us and real-time interaction  between users, and other features which allow users to communicate with others.  Responsibility for what is posted on bulletin boards, web logs, chat rooms, and other  public posting areas on the Site, or sent via any email services on the Site, lies with  each user – you alone are responsible for the material you post or send. We do not  control the messages, information or files that you or others may provide through the  Site. It is a condition of your use of the Site that you do not: 

• Restrict or inhibit any other user from using and enjoying the Site. ● Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks we use to provide the Site. 
• Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
• Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means. 
• Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
• Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging  conduct that would constitute a criminal offense, give rise to civil liability or otherwise  violate any local, state, national or international law. 
• Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other  proprietary right, or derivative works with respect thereto, without first obtaining  permission from the owner or rights holder. 
• Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.
• Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising. ● Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without our express written approval. ● Gather for marketing purposes any email addresses or other personal information  that has been posted by other users of the Site. 

COMPANY may host message boards, chats and other public forums on its Sites.  Any user failing to comply with the terms and conditions of this Agreement may be  expelled from and refused continued access to, the message boards, chats or other  public forums in the future. COMPANY or its designated agents may remove or alter  any user-created content at any time for any reason. Message boards, chats and  other public forums are intended to serve as discussion centers for users and  subscribers. Information and content posted within these public forums may be  provided by COMPANY staff, COMPANY’s outside contributors, or by users not  connected with COMPANY, some of whom may employ anonymous user names.  COMPANY expressly disclaims all responsibility and endorsement and makes no  representation as to the validity of any opinion, advice, information or statement  made or displayed in these forums by third parties, nor are we responsible for any  errors or omissions in such postings, or for hyperlinks embedded in any messages.  Under no circumstances will we, our affiliates, suppliers or agents be liable for any  loss or damage caused by your reliance on information obtained through these  forums. The opinions expressed in these forums are solely the opinions of the  participants, and do not reflect the opinions of COMPANY or any of its subsidiaries or  affiliates.

COMPANY has no obligation whatsoever to monitor any of the content or postings  on the message boards, chat rooms or other public forums on the Sites. However,  you acknowledge and agree that we have the absolute right to monitor the same at  our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or  remove any postings or content, in whole or in part, for any reason and to disclose  such materials and the circumstances surrounding their transmission to any third  party in order to satisfy any applicable law, regulation, legal process or governmental  request and to protect ourselves, our clients, sponsors, users and visitors. 

We occasionally include access to an online community as part of our programs. We  want every single member to add value to the group. Our goal is to make your  community the most valuable community you’re a member of. Therefore, we reserve  the right to remove anyone at any time. We rarely do this, but we want to let you  know how seriously we take our communities. 

Registration 

To access certain features of the Site, we may ask you to provide certain  demographic information including your gender, year of birth, zip code and country.  In addition, if you elect to sign-up for a particular feature of the Site, such as chat  rooms, web logs, or bulletin boards, you may also be asked to register with us on the  form provided and such registration may require you to provide personally identifiable  information such as your name and email address. You agree to provide true,  accurate, current and complete information about yourself as prompted by the Site’s  registration form. If we have reasonable grounds to suspect that such information is  untrue, inaccurate, or incomplete, we have the right to suspend or terminate your  account and refuse any and all current or future use of the Site (or any portion  thereof). Our use of any personally identifiable information you provide to us as part  of the registration process is governed by the terms of our Privacy Policy. 

Passwords 

To use certain features of the Site, you will need a username and password, which  you will receive through the Site’s registration process. You are responsible for  maintaining the confidentiality of the password and account, and are responsible for  all activities (whether by you or by others) that occur under your password or  account. You agree to notify us immediately of any unauthorized use of your  password or account or any other breach of security, and to ensure that you exit from  your account at the end of each session. We cannot and will not be liable for any loss  or damage arising from your failure to protect your password or account information. 

Limitation of Liability 

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO,  NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR  AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL 

OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE  INABILITY TO USE, THE SITE, INCLUDING OUR MESSAGING, BLOGS,  COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR SERVICES, OR  THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE  THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED  BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME  STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN  CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO  YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR  SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE  FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY  ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY  DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU  ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR  SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND  CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE  USING THE SITE AND THE PRODUCTS, SERVICES AND/OR  MATERIALS COMPANY IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT  AN INVESTMENT ADVISER, AND DOES NOT PROVIDE PERSONALIZED  FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR. 

WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND  INFORMATION CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES  ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE  INFORMATION PROVIDED BY US IS INTENDED AS INVESTMENT, TAX,  ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN  OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT, RECOMMENDATION OR  SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR INFORMATION  SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN  SECURITIES OR OTHER INVESTMENTS. 

WE DO NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE AND  YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL  PROFESSIONALS BEFORE ACTING ON ANY INFORMATION PROVIDED BY  US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND COMPANY  MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS  ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE. YOU acknowledge and agrees that no representation has been made by COMPANY  OR ITS AFFILIATES and relied upon as to the future income, expenses, sales  volume or potential profitability that may be derived from the participation in THIS  PROGRAM. 

Termination

We may cancel or terminate your right to use the Site or any part of the Site at any  time without notice. In the event of cancellation or termination, you are no longer  authorized to access the part of the Site affected by such cancellation or termination.  The restrictions imposed on you with respect to material downloaded from the Site,  and the disclaimers and limitations of liabilities set forth in these Terms of Service,  shall survive. 

Refund Policy 

Your purchase of a product or service or ticket to an event may or may not provide  for any refund. Each specific product, service, event or course will specify its own  refund policy. 

Other 

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for  copyright owners who believe that material appearing on the Internet infringes their  rights under the U.S. copyright law. If you believe in good faith that materials hosted  by COMPANY infringe your copyright, you, or your agent may send to COMPANY a  notice requesting that the material be removed or access to it be blocked. Any  notification by a copyright owner or a person authorized to act on its behalf that fails  to comply with requirements of the DMCA shall not be considered sufficient notice  and shall not be deemed to confer upon COMPANY actual knowledge of facts or  circumstances from which infringing material or acts are evident. If you believe in  good faith that a notice of copyright infringement has been wrongly filed against you,  the DMCA permits you to send to COMPANY a counter-notice. All notices and  counter notices must meet the then current statutory requirements imposed by the  DMCA; see http://www.loc.gov/copyright for details. COMPANY’s Copyright Agent for  notice of claims of copyright infringement or counter notices can be reached as  follows: [youremailaddress@domain.com] 

This Agreement shall be binding upon and inure to the benefit of COMPANY and our  respective assigns, successors, heirs, and legal representatives. Neither this  Agreement nor any rights hereunder may be assigned without the prior written  consent of COMPANY. Notwithstanding the foregoing, all rights and obligations  under this Agreement may be freely assigned by COMPANY to any affiliated entity or  any of its wholly owned subsidiaries 

These Terms of Use shall be governed by and construed in accordance with the laws  of the State of [YOUR COUNTRY/STATE] and any dispute shall be subject to  binding arbitration in [YOUR COUNTRY/STATE], [YOUR COUNTRY/STATE]. If any  provision of this agreement shall be unlawful, void or for any reason unenforceable,  then that provision shall be deemed severable from this agreement and shall not  affect the validity and enforceability of any remaining provisions. 

Disclaimer 

Although it is highly unlikely, This policy may be changed at any time at our  discretion. If we should update this policy, we will post the updates to this page on  our Website.

If you have any questions or concerns regarding our privacy policy please direct  them to: [youremailaddress@domain.com]